Page 135 - Hollard Private Portfolio

Motor
No using your vehicle as a courier or transport contractor
You may not, under any circumstances, use your vehicle as a courier or transport contractor.
No carrying of fare-paying passengers
You are not permitted to use your vehicle as a bus or taxi to carry fare-paying passengers.
If you do give other parties a lift regularly, and they pay you, then that payment should be only for the actual expenses incurred; it should not include a profit. In this case, the passengers will not be regarded as fare-paying. An example of such an arrangement is vehicle-sharing or car-pooling.
What is not covered
SPECIFIC EXCEPTIONS
Risks for your own expense
We do not cover you for loss or damage to your vehicle that results from the following risks:
○ depreciation; wear and tear; gradually operating causes; mechanical, electrical or electronic breakdown, failure or breakage
○ damage to tyres caused by braking, punctures, cuts or bursts, unless some other part of the vehicle is damaged at the same time
○ theft of your vehicle spares or aftermarket accessories for more than the cost of factory-fitted accessories of the same nature unless specified in the Schedule
○ loss or damage arising from the fact that your vehicle is unroadworthy, or has not been maintained
○ loss or damage arising from the fact that your vehicle was defectively designed or constructed
○ any resultant loss or damage that was caused because you continued to drive your car after an insured event.
Sea, airports and mines
We do not cover you for any loss or damage, injury or liability if your vehicle is:
○ transported by sea (other than between ports within South Africa)
○ driven on an aviation apron or runway
○ driven underground in a mine.
Driving under the influence
There is no cover for loss, damage, injury or liability that arises when you are driving or towing your vehicle while:
○ under the influence of intoxicating liquor or drugs; or
○ the alcohol content in your blood exceeds the legal limit.
Hollard Private Portfolio – Version 3.0.0 – 20 April 2020 133